How to check Discover it Cash Back Credit Card reward points?

You can check your Discover it Cash Back Credit Card points via the Discover Mobile App. Open the Discover app View your Cashback Bonus balance on the home screen Tap 'Cashback Bonus' for detailed earning history

Credit CardsLast verified: 24-Mar-2026

Discover it Cash Back Credit Card Reward Points: Value, Check & Redeem Guide (2026)

Q: What is the value of Discover it Cash Back Credit Card reward points?

5% cashback on rotating categories, 1% all else. 5% cash back on rotating quarterly categories (up to $1,500 per quarter, then 1%). 1% on all other purchases. FIRST-YEAR BONUS: Discover matches all cash back earned in the first year (Cashback Match) — effectively doubling your rates to 10% and 2%. No annual fee.

Q: When do Discover it Cash Back Credit Card reward points expire?

No expiry. Cashback Bonus never expires as long as your account is open.

Point Value

5% cashback on rotating categories, 1% all else

Expiry

No expiry

Redemption Options

Last Updated

24-Mar-2026

Cashback Value in 2026

5% cash back on rotating quarterly categories (up to $1,500 per quarter, then 1%). 1% on all other purchases. FIRST-YEAR BONUS: Discover matches all cash back earned in the first year (Cashback Match) — effectively doubling your rates to 10% and 2%. No annual fee.

How to Check Your Cashback Balance

📱

Discover Mobile App

1Open the Discover app
2View your Cashback Bonus balance on the home screen
3Tap 'Cashback Bonus' for detailed earning history

Open →

🌐

Discover Online

1Log in to discover.com
2View your Cashback Bonus balance on the account dashboard
3Click 'Cashback Bonus' for redemption options

Open →

📞

Customer Care

1Call Discover customer service (100% U.S.-based)
2Authenticate your identity
3Ask for your Cashback Bonus balance

Number: 1-800-347-2683

How to Redeem Cashback

Statement Credit

Best Value

Apply cash back as a credit to your account at any amount

Value: 1 cent/point

Direct Deposit

Best Value

Deposit cash back to your bank account

Value: 1 cent/point

Gift Cards

Best Value

Redeem for gift cards — some retailers offer bonus value (e.g., $45 for $40 at certain merchants)

Value: 1 - 1.1 cents/point

Amazon Checkout

Use cash back at Amazon checkout

Value: 1 cent/point

Best Redemption Strategy

Check for bonus-value gift cards (sometimes get $5-$10 bonus). Otherwise, statement credit or direct deposit are equivalent. In your first year, the Cashback Match doubles everything.

Open Redemption Portal →

Expiry Policy

Cashback Bonus never expires as long as your account is open.

Exclusions

×5% categories capped at $1,500 per quarter combined
×Must activate quarterly categories at discover.com each quarter
×Discover not as widely accepted internationally as Visa/Mastercard

Pro Tips

💡FIRST YEAR: All cash back is matched at end of year — effectively 10% on categories, 2% on everything else
💡Activate 5% quarterly categories at discover.com/activate each quarter
💡Common categories: Amazon, grocery stores, gas stations, restaurants, PayPal, Target, Walmart
💡No annual fee ever
💡No foreign transaction fees (but acceptance is limited overseas)
💡Free FICO credit score on every statement
💡100% U.S.-based customer service
💡Freeze It feature lets you instantly freeze the card from the app

Related Guides

How to Check Points

Step-by-step guide

How to Redeem Points

Best redemption options

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Information is for reference only. Point values and policies may change. Always verify with Discover official sources. Last updated: 24-Mar-2026.